Design a Stateful Banking System with Scheduled Payments and Account Merges

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Quick Overview

Design an in-memory banking system with accounts, transfers, spender rankings, scheduled payments, cancellation, and account merges. Specify deterministic payment processing before public operations and preserve balances, outgoing totals, histories, and pending-payment ownership through merges.

Design a Stateful Banking System with Scheduled Payments and Account Merges

Company: Airbnb

Role: Software Engineer

Category: Software Engineering Fundamentals

Difficulty: medium

Interview Round: Online Assessment

Overview: Design an in-memory banking system with accounts, transfers, spender rankings, scheduled payments, cancellation, and account merges. Specify deterministic payment processing before public operations and preserve balances, outgoing totals, histories, and pending-payment ownership through merges.

Read the full Airbnb Software Engineer interview experience this question came from

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Airbnb
Aug 6, 2026
mediumSoftware EngineerOnline AssessmentSoftware Engineering Fundamentals
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